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United Bank of India Personal Loan

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Valid till 31st March '26*T&C Apply
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Get up to ₹50 Lakhs starting at 9.98%

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

United Bank of India Personal Loan

United Bank of India personal loan is the solution to all the instances in life when you need money. You can avail this loan to deal with a medical emergency or fulfill your dream of getting married, going on a vacation, buying a gadget or renovating your home. The United Bank of India Personal Loan is easy to apply and can be applied online from the comfort of your home.

Features and Benefits

Below are the key features of the United Bank of India personal loan:

  • Availability: United Bank of India personal loan is available to any Government employee, private corporate employee or pensioner.
  • Loan amount: The eligible loan amount depends on the type of organization you are working for. The bank has categorized the organizations into three major groups A, B and C. The employees of group A can avail the loan up to 15 lakh, subject to other eligibility criteria. The similar limit for group B and group C is Rs. 10 lakh and Rs. 5 lakh respectively.
  • Easy to apply: The entire process of loan application is online. You can select the appropriate personal loan for you out of three choices available: Government Employee, Private sector employee or Pensioner.
  • Attractive interest rate: The interest rate is one of the lowest in the personal loan category. The rates are also transparent, based on documents received by the bank.

Interest Rates of United Bank of India Personal Loan

The interest rates for a United Bank of India personal loan depend upon “Check-off” documents it receives from you and your employer. Below table shows Check-off wise interest rate for your ready reference.

With Full Check Off MCLR-Y+3.00% = 11.80% per annum
With Partial Check Off MCLR-Y+3.50% = 12.30% per annum
Without Check Off MCLR-Y+4.00% = 12.80% per annum

Kindly note, based on the change in MCLR, there may be an increase or decrease in the interest rate chargeable to your personal loan.

Comparison Table of Personal Loan Interest Rates offered by Various Banks/NBFCs

Banks/NBFCs Interest Rates(p.a.)
Bajaj Finance 10% - 31% p.a.
Axis Bank 9.99% onwards
IndusInd Bank 10.49% onwards
IDFC FIRST Bank 10.99% onwards
HDFC Bank 9.99% onwards
ICICI Bank 10.60% onwards
Kotak Mahindra Bank 10.99% onwards
Tata Capital 11.99% onwards
Federal Bank 12.00% onwards
DMI Finance Up to 24%
L&T Finance 11.00% onwards
Kreditbee 12.00% - 28.25%
MoneyTap 13.00% onwards
Piramal Finance 11.99% onwards
Aditya Birla 10.99% onwards
Moneyview 14%-36%
Cashe 33.50% onwards

Additional Charges of United Bank of India Personal Loan

Below table provides the snapshot for fees and charges of United Bank of India fees and charges.

Type of Charges or Fees Amount or Percentage of Charges
Processing Fees 1.18% of the loan amount.There may be waiver or concession in the processing fee on specific festival or time period.

No processing fees are applied for availing OD under a personal loan.
Cheque Bounce Charges As per charge schedule for a current / savings account of the bank
Prepayment Charges As per Prevailing policy of United Bank of India.No prepayment charges for Pensioners’ personal loan.

Eligibility Criteria:

The United Bank of India provides a personal loan based on your employer category and monthly income. Below are the basic criteria for United Bank of India personal loan eligibility.

Applicant The applicant must be a government or private sector employee or pensioner.The applicant’s organization must be qualified as per Group A, B or C as per norms of United Bank of India.
Monthly Income Criteria After payment of existing and new loan EMI, the net saving should be minimum 40% of monthly salary.
Eligible Loan Amount Rs. 15 Lacs for the employees of Group A organization.Rs. 10 Lacs for the employees of Group B organization.

Rs. 5 Lacs for the employees of Group C organization.

Above limit is further capped to 10 months’ gross monthly income of the applicant.
Minimum Age 21 Years
Maximum Age 65 Years
Employers’ undertaking The undertaking in the prescribed format by the bank( For EMI and outstanding deduction from salary or benefits)

Documents Required:

United Bank of India offers you a personal loan based on the document you submit. However, you don’t have to submit the documents physically. All you need is to upload the documents on the official portal of the bank.

Mandatory Document PAN Card
Current Residential Proof Passport, AADHAR Card, Ration Card, Voter ID, Driving License, (Only one document)
Income Proof Bank statement of the last six months (The bank account must be salaried account or Pension Account).Last three months’ payslips

Copy of pension order in case of Pensioners’ personal loan.
Employment Proof I-card issued by the Government or private sector employer.Continued service letter from the employer, in specific cases.
Guarantor’s Documents Any document showing current address and identity of the guarantor.Any document showing a relationship with the applicant.

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All Your Needs

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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